TEMPORARY LIQUIDITY
	GUARANTEE PROGRAM
	Centennial Bank has elected to participate in the FDIC's
	Transaction Account Guarantee Program.  Under that
	program, through June 30, 2010, all non-interest bearing
	and NOW accounts earning .5% or less are fully guaranteed by
	the FDIC for the entire amount in the account.  Coverage under
	Transaction Account Guarantee Program is in addition to and
	separate from the coverage available under the FDIC's
	general deposit insurance rules.
	On May 20, 2009, FDIC deposit insurance temporarily
	increased from $ 100,000.00 to $ 250,000.00 per depositor
	through December 31, 2013.